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Regulatory Education
Switching hats in a post-regulation best interest world
With the adoption of Regulation Best Interest (Reg BI), the US Securities and Exchange Commission (SEC) is imposing an enhanced standard of conduct on broker-dealers and their associated persons when making recommendations to retail customers.
Policy and Regulatory Commentary
The SECURE Act: 4 Key Changes Advisors Need to Know About
At the end of last year, Congress passed the SECURE Act as part of the year-end appropriations bill and introduced some big changes to the retirement system in the U.S.
Many people saving for retirement probably will not notice anything all that different. However, financial advisors need to be aware of four key changes, particularly for clients near retirement.
Policy and Regulatory Commentary
Emergency Interest Rate Cuts—Will They Work? Do They Matter? Frequently Asked Questions
Taking pressing questions and getting our in-house investment professionals to answer them in a jargon-free manner.
Policy and Regulatory Commentary
COVID-19 Relief Packages Require Action
This piece is approved to use with clients.
What Plan Sponsors Need to Know About Changes to Their Retirement Plans and Paid Leave Programs.
Portfolio Construction Insights
Nationwide: Valuing annuity benefits for required minimum distribution and Roth conversions purposes
When deferred annuities are owned by qualified accounts these guarantees must be taken into account when calculating required
minimum distributions (RMD) and the taxable amount of a Roth IRA conversion.
Portfolio Construction Insights
Nationwide: The position of life insurance in financial diversification
The importance of a diversified portfolio
Behavioral Finance
Behavioral Advisor Perspectives and Practices: Practical Planning Is Your Compass
This piece is approved to use with clients.
The next several weeks are going to be challenging for advisors and investors. The reality of the scope and severity of the pandemic along with the associated economic and market damage will hit home raising fear levels to new highs. In these times, it will be hard not to overreact, panic or lose hope. Strong emotions and behavioral biases including, anchoring, loss aversion, cascading and availability bias can cloud our thinking and lead to poor decision making. Engaging in realistic and practical planning discussions along with relevant behavioral coaching can provide essential support during these challenging times.